We've gone outside the industry. We just hired a fellow to run our commercial loan operation, who has no lending experience. We also just hired a new general counsel. The only relationship he had with a bank was his checking account. He was the general counsel with Brown Williamson Tobacco.

We needed a general counsel and this guy has one of the finest legal minds I have ever worked with. He has given a whole new perspective to running a bank as a business instead of just a bank.

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